*BETA* Automatic INQ Counter for EQ and TU

[ctb89]

Woke up this morning, ate my wheaties, and decided to throw this together. It only took a couple hours so there may be some hiccups along the way. Consider these counters in perpetual beta testing (right now, more like alpha testing). Shout out to spigot for the design (it's a direct ripoff).

 

EQ - http://bit.ly/MnViVS

TU - http://bit.ly/KodJME

 

Here's what's new:

 

EQ - Counting is now performed by a whitelist. Currently, only the 4 known daily EQ pullers are on this list. I also added Fair Issac, but only the first entry is counted (that's how it is on my report, I may have to remove this later if it's different for others). I will update it over the next few days to be slightly more aggressive. This whitelist needs to be continuously updated by the community. Please post INQs that you have confirmed to be counting but are being skipped by the counter. The goal here is not necessarily to be 100% accurate, but rather to do 90% of the leg work and be a lowest common denominator of sorts.

 

Please copy and paste directly from the EQ website. Proper formatting looks like this:

 

CREDITEXPERT 1-866-673-0140 	06/11/12, 06/10/12, 06/09/12, 06/08/12
EQUIFAX CONSUMER SERVICES  	06/11/12, 06/10/12, 06/09/12, 06/08/12

 

 

TU - Well for one, it exists. It will count all PP softs, and has duplicate checking built in. For example, it will automatically discard duplicate softs for a single creditor. This is typical with Credit Karma where it will show multiple softs with the same date. Additionally, it has rule based checking for duplicates that appear under slightly different names all on the same date (i.e. TRANSUNION INTERACTIVE vs. TRANSUNION INTERACTIVE I). Just like with EQ, these rules must be updated by the community. If you see duplicates in your report that aren't being caught, report them in this thread.

 

Please copy and paste directly from the TU website. Proper formatting looks like this:

 

CONSUMERINFO via CONSUMER INFO.COM
18500 VON KARMEN A 
#900 
IRVINE, CA  92612
Phone number not available
Requested On: 06/11/2012, 06/10/2012
Permissible Purpose: CONSUMER REQUEST

XXX via KARMA/TRANSUNION INTERAC
100 CROSS STREET 
SAN LUIS OBISP, CA  93401
(805) 782-8282
Requested On: 06/11/2012, 06/11/2012, 06/11/2012, 06/11/2012, 06/10/2012
Permissible Purpose: CONSUMER REQUEST

 

 

To Do:

- Add functionality to show softs that weren't counted. I did this in a few hours, so gimme a break. I plan to mimic spigot again to keep things consistent.

- Automatic removal of FC names. I'm still mulling this over, as it could end up providing unintentional confirmation to unwitting parties, causing it to spread. One of those unintended consequences issues. Will probably end up scrapping that idea.

 

Comments, questions, concerns...I'm all ears.

[BobWang]

He's not called XL for nothing.

[ctb89]

He's not called XL for nothing.

 

My GF says the same thing.

[BobWang]

Are we looking at a long or short Beta?

[foeplay]

[ctb89]

Update: Added TRUELINK and CONSUMERINFO.COM to whitelist.

 

What about CSC? What's the verdict?

[muss08]

Eq counter didn't count Equifax Consumer Services. Other softs that count are:

Intersections

First Advantage Credco/

These two definitely counted for me.

 

Intersections can leave a duplicate as well.

 

I cant get the TU to work properly. I'm copying/pasting directly from a report. Seems like the spacing is wrong when i move it to the counter

[essexjet]

New automatic counting;

 

CIC/EXPERIAN ALRTS: 05/02/12 (1)

CREDITEXPERT 1-866-673-0140: 06/11/12, 06/10/12, 06/09/12, 06/07/12, 06/06/12, 06/03/12, 06/02/12, 05/31/12, 05/30/12, 05/28/12, 05/27/12, 05/25/12, 05/24/12, 05/23/12, 05/22/12, 05/21/12, 05/20/12, 04/07/12, 03/29/12 (19)

FAIR ISAAC: 05/12/12 (1)

TRUECREDIT/COVERDELL MY: 04/25/12 (1)

TRUECREDIT/VERTRUE: 06/10/12, 06/09/12, 06/07/12, 06/06/12, 06/03/12, 06/02/12, 05/31/12, 05/30/12, 05/28/12, 05/27/12, 05/25/12, 05/24/12, 05/23/12, 05/21/12, 04/30/12 (15)

Total "good" softs found: 37

Old Counter:

AR-CAPITAL ONE: 05/21/12

AR-CAPITAL ONE: 07/05/11

CIC/EXPERIAN ALRTS: 05/02/12 (1)

CREDITEXPERT 1-866-673-0140: 06/11/12, 06/10/12, 06/09/12, 06/07/12, 06/06/12, 06/03/12, 06/02/12, 05/31/12, 05/30/12, 05/28/12, 05/27/12, 05/25/12, 05/24/12, 05/23/12, 05/22/12, 05/21/12, 05/20/12, 04/07/12, 03/29/12 (19)

EQUIFAX INFO SVCS.: 05/24/12

EQUIFAX: 04/14/12 (1)

EQUIFAX: 06/07/12 (1)

EQUIFAX: 08/06/11 (1)

ND-EQUIFAX: 06/07/12

ND-EQUIFAX: 06/07/12

ND-EQUIFAX: 08/06/11

Equifax Consumer Services: 06/11/12, 06/10/12, 06/09/12, 06/07/12, 06/06/12, 06/03/12, 06/02/12, 05/31/12, 05/30/12, 05/28/12, 05/27/12, 05/25/12, 05/24/12, 05/23/12, 05/22/12, 05/21/12, 05/20/12, 04/30/12 (18)

ND-Equifax Consumer Services: 06/09/12

EQUIFAX INFORMATION SVS: 06/06/12, 05/16/12, 04/27/12, 04/27/12, 04/20/12, 04/20/12, 04/20/12, 04/20/12, 04/16/12, 04/14/12, 04/14/12

EQUIFAX INFO SVCS.: 06/11/12, 05/03/12

FAIR ISAAC: 05/12/12 (1)

GB HOLDINGS INC: 09/02/11 (1)

AR-HOUSEHOLD BANK: 04/26/12, 12/27/11

AR-DRIVE FINANCIAL: 03/27/12, 11/01/11

TRUECREDIT/COVERDELL MY: 04/25/12 (1)

TRUECREDIT/VERTRUE: 06/10/12, 06/09/12, 06/07/12, 06/06/12, 06/03/12, 06/02/12, 05/31/12, 05/30/12, 05/28/12, 05/27/12, 05/25/12, 05/24/12, 05/23/12, 05/21/12, 04/30/12 (15)

 

Total "good" softs found: 59

[sportster]

Eq counter didn't count Equifax Consumer Services. Other softs that count are:

Intersections

First Advantage Credco/

These two definitely counted for me.

 

Intersections can leave a duplicate as well.

 

I cant get the TU to work properly. I'm copying/pasting directly from a report. Seems like the spacing is wrong when i move it to the counter

 

First paste into Wordpad (if using Windows) then copy + paste into this page. It helps with the goofy spacing.

[ctb89]

Update: Fixed capitalization matching issue (EQUIFAX CONSUMER SERVICES vs. Equifax Consumer Services)

 

ETA: So I tested the TU copy/paste on OS X. Chrome and Safari work properly, Firefox fudges up the spacing.

Edited June 12, 2012 by ctb89

[ctb89]

Eq counter didn't count Equifax Consumer Services. Other softs that count are:

Intersections

First Advantage Credco/

These two definitely counted for me.

 

Intersections can leave a duplicate as well.

 

I cant get the TU to work properly. I'm copying/pasting directly from a report. Seems like the spacing is wrong when i move it to the counter

Fixed the Equifax Consumer Services issue and the copy/paste issue is a browser problem I need to figure out what to do (see above). As for Intersections and Credco, are those confirmed bumpable? I can't tell from some of the posts.

Edited June 12, 2012 by ctb89

[muss08]

They may be one that count for some but not others. I just know 100% that they counted for me

[ctb89]

Ok, good to know. I've never had either of them on my report so I have no lean one way or the other. Did these count for anyone else? Also, I'll work on the browser paste issue tomorrow. I just need to have more clever pattern recognition which is a pain in the flowers. But Chrome/Safari work perfectly (Firefox has issues).

 

As for EQ, copy and pasting from someone's post won't work because it loses formatting. Hopefully by tomorrow I'll get that fixed so that it's not relying on the tab delimiter from the EQ website.

[BobWang]

Intersections & Credco are on the gray list, counts for some, not for others.

 

If more people chime in that they count, they can be moved to white list.

[Killi]

Intersections & Credco are on the gray list, counts for some, not for others.

 

If more people chime in that they count, they can be moved to white list.

 

I have had two Intersections on my report where one counted and one did not, both with the exact same spelling and capitalization

[ctb89]

Hmm, well we could maintain two lists, white and grey, and provide two counts, one being a confirmed count and one being possible/optimistic/etc...

 

I can see this project will take more time than I originally envisioned.

[ctb89]

Intersections & Credco are on the gray list, counts for some, not for others.

 

If more people chime in that they count, they can be moved to white list.

 

I have had two Intersections on my report where one counted and one did not, both with the exact same spelling and capitalization

Were they the same date?

[Killi]

No I do not believe so. I recall they were a couple weeks apart

[ctb89]

Ugghh such a pain. This madness makes me wonder what their database internals are like.

[BobWang]

Ugghh such a pain. This madness makes me wonder what their database internals are like.

Now you see why BIs get paid the big bucks.

[Killi]

Ugghh such a pain. This madness makes me wonder what their database internals are like.

Now you see why BIs get paid the big bucks.

 

I am a day or two away from knowing whether the old Intersections that is still on my report will count or not and be able to test with a new Intersections as well. That is the plan anyway. The last IntersectionsI pulled a couple days ago went next in line to the one that did not bump, whereas before they were two separate lines.

 

Getting close to the magic number finally.

[ctb89]

Awesome! Post back with your findings.

[muss08]

Okay, I do have two Intersection lines with 2 dates on one and 3 on the other. One of these dates are duplicate. If I remember correctly all counted except the duplicate.

Next, I have two FAIR ISAAC lines, one with 2 and one with 1. No duplicate. All 3 count towards B* but the counter is only reading one line.

[ctb89]

Muss would you mind PMing me your softs?

[ctb89]

Update: The pattern matching on both counters is much more sophisticated now and can still parse the data even with copy/paste formatting anomalies. Please post if you're having errors.